Credit Default Risk Of Borrowers In P2P Platform In China

In the current P2 P net loan industry,the most prominent problem is the credit problem: the frequent occurrence of default by the lender,which shows that the P2 P net loan industry in China is facing a very serious credit problem,which greatly restricts the healthy development of this industry.At present,the risk of P2 P net loan platform in our country is still lack of deep and systematic research.In particular,the research mainly focuses on the qualitative research on the risk of breach of contract,and the research perspective is relatively simple,mainly from the aspect of strengthening supervision and management.Some scholars analyze platform risk from the perspective of net loan platform,and put forward relevant strategies of risk control.There are few studies on the credit risk of default in the lender,and it is a quantitative study referring to the traditional personal credit evaluation method in China,which is not suitable for the credit risk assessment of P2 P net loan.In this paper,the P2 P platform is regarded as a company.The borrower's personal credit is a business module and the lender's personal information is the starting point.First,the typical operation mode of the P2 P net loan platform in China is combed,and the origin of the credit risk of the lender of the P2 P net loan platform is analyzed.This paper compares the measurement model with the credit risk assessment method of the lender,and selects the Logistic model suitable for the credit risk assessment of the borrower of the P2 P network lending platform.The loan data of the network crawler tool selection platform from January 2018 to April 2018 are empirically analyzed,and the credit risk assessment model of the lender is constructed with the help of Logistic regression model and the conclusion of the research is obtained by the use of the network crawler tool.The paper puts forward the block chain technology in the P2 P net loan in combination with the analysis of the financial statement of the 2017 year of the loan of Renren.The platform is applied to explore the feasibility of its application on the P2 P platform and the specific mode applied to the P2 P platform,giving suggestions for the improvement of the borrower's credit risk assessment.Taking the personal information of the lender of P2 P net loan platform as the starting point,this paper constructs the credit risk assessment model,and uses the two classification method to deal with the key index of the default factors of the lender,in order to improve the prediction level of the model,and hope that the platform can make the platform more accurate to evaluate the lender's solvency,and then it will be able to make the credit risk assessment of the lender more accurate.The loss was reduced to a minimum.